Travel Insurance
Your exploration, our dedication! Travel stress-free with comprehensive coverage that protects you from the unexpected, whether you are travelling across Kenya or around the world.
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What's Covered
Trip Cancellation & Interruption
Reimbursement for prepaid, non-refundable trip costs if your trip is cancelled or cut short due to covered reasons such as illness, injury, or family emergency.
Travel Delays
Coverage for additional accommodation, meals, and transport costs if your trip is delayed beyond a specified number of hours due to circumstances beyond your control.
Emergency Medical Expenses
Covers hospitalisation, surgery, outpatient treatment, and prescribed medication if you fall ill or get injured while travelling. Includes emergency dental treatment.
Medical Evacuation
Covers the cost of emergency medical evacuation to the nearest adequate medical facility or repatriation to Kenya if local treatment is unavailable.
Lost or Damaged Baggage
Compensation for personal belongings that are lost, stolen, or damaged during your trip. Also covers delayed baggage expenses for essential items.
Personal Liability
Covers legal liability if you accidentally cause bodily injury to a third party or damage their property while travelling.
Why Travel Insurance Matters
Medical Emergencies Abroad Are Expensive
A hospital stay in the US, UK, or Europe can cost thousands of dollars per day. Travel insurance absorbs that cost so you are not left with a life-changing bill.
Flights Get Cancelled and Delayed
Airlines do not always refund cancelled tickets. Travel insurance reimburses your prepaid costs and covers additional expenses from delays.
Baggage Gets Lost
Airlines mishandle millions of bags every year. Travel insurance compensates you for lost belongings and covers essentials while you wait.
Visa Requirements
Many countries, including Schengen states, require proof of travel insurance as a visa condition. A valid policy is often mandatory for entry.
Peace of Mind
Travel should be enjoyable, not stressful. Knowing you are covered means you can focus on your trip, not on what could go wrong.
24/7 Emergency Assistance
Most travel insurance policies include a 24-hour helpline for emergency medical assistance, hospital referrals, and travel support anywhere in the world.
Types of Travel Cover
Choose the cover that matches how you travel.
Single Trip Cover
Covers one specific trip from departure to return. Ideal for occasional travelers or one-off holidays and business trips.
- Cover for one return journey
- Flexible duration, from 1 day to 12 months
- All core benefits included
- Most affordable option for single trips
Annual Multi-Trip Cover
Covers multiple trips within a 12-month period. Perfect for frequent travelers who make several trips per year.
- Unlimited trips within 12 months
- Typically covers trips up to 30-90 days each
- Cost-effective for frequent flyers
- One premium, one renewal date
Family Cover
Extends travel insurance to your spouse and dependent children under one policy. Generally more cost-effective than individual policies for each family member.
- Covers principal, spouse, and children
- Children typically covered up to age 17
- Single policy, single premium
- All core benefits for the whole family
Who Is Eligible
Ages 6 Months to 80 Years
Travel insurance is available for infants from 6 months old up to adults aged 80. Family plans cover children under their parents' policy.
Domestic & International
Whether you are travelling within Kenya or abroad, cover is available for both domestic and international journeys.
Inbound Tourists
Visitors coming to Kenya can purchase travel insurance for their stay, covering medical emergencies, baggage, and trip disruptions.
Business Travelers
Official business travel is covered, including frequent flyers and corporate trips. Group policies available for companies.
Common Mistakes to Avoid
Travelling without cover
Many travelers assume nothing will go wrong. A single medical emergency abroad can cost more than the entire trip. Travel insurance is a small cost for significant protection.
Not checking what is excluded
Pre-existing conditions, extreme sports, and high-risk activities are commonly excluded. Always read the policy wording before you travel.
Buying too late
Trip cancellation cover only applies if you buy the policy before the cancellation event occurs. Buying at the airport is too late for many benefits.
Not declaring pre-existing conditions
Failing to disclose a known medical condition can result in claim rejection. Always declare honestly and ask how the plan treats each condition.
Frequently Asked Questions
Do I really need travel insurance?
Yes. Medical treatment abroad can be extremely expensive. Travel insurance protects you from unexpected costs including medical emergencies, trip cancellations, and lost baggage.
Does travel insurance cover pre-existing conditions?
Some policies cover pre-existing conditions after a waiting period or with an additional premium. Always declare your conditions and ask how they are treated before purchasing.
Can I buy travel insurance after I have started my trip?
Some insurers allow purchase after departure, but trip cancellation benefits will not apply retroactively. It is best to buy before you travel.
Does it cover adventure sports and activities?
Standard policies typically exclude extreme sports. If you plan to do adventure activities, check if the policy offers an add-on or look for a specialist adventure sports policy.
How do I make a claim while abroad?
Contact the 24-hour emergency assistance number provided in your policy documents. They will guide you through the claims process and help with hospital referrals.
Is COVID-19 covered?
Coverage for COVID-19 varies by insurer and plan. Some policies cover medical treatment for COVID-19 while others may exclude it. Check the policy wording before purchasing.
Does it cover trip cancellation for any reason?
Trip cancellation is covered for specific reasons listed in the policy, such as illness, injury, or family emergency. 'Cancel for any reason' coverage is typically an optional add-on.
Can I extend my policy while travelling?
Some insurers allow policy extensions if your trip is longer than expected. Contact the insurer before your policy expires to arrange an extension.
Real Talk
A medical emergency abroad can cost more than your entire trip. A cancelled flight can wipe out your holiday budget. Lost baggage can leave you without essentials in a foreign country.
Travel insurance is not an extra. It is a necessity.
The best trips are the ones where you are covered.
Travel insurance products are offered by licensed insurance companies. Coverage, limits, exclusions, and premiums vary by insurer, destination, and trip duration. The information on this page is for general guidance only and does not constitute a quotation or binding offer. Please contact us for personalised quotes and advice tailored to your specific travel plans.
Travel With Confidence
Whether you are travelling across Kenya or around the world, get covered before you go. One policy, complete peace of mind.
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